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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026

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About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

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PayPal PayPal Credit reviews (181153)

All perfect.

All perfect. Always all pay only PayPal Reviewed on: 16th April 2026

Bad impact in credit scores

My credit limit is £400, if I buy anything of £200 that takes my credit utization above 50% which credit agencies strongly punish in my score. On one hand PayPal gives me facilities for repayments but on the other easily spoils my credit history most probably affecting credit increases from PayPal. Reviewed on: 16th April 2026

PayPal credit has changed the way I pay for everythi...

PayPal credit has changed the way I pay for everything it's so convenient I have a record of receipts for everything I purchase and earn point on everything and with fuel as expensive as it is now that's a great bonus Reviewed on: 16th April 2026

As an app, can be useful but as company avoid

If you're asking from a direct application standpoint, easy to use and feels more secure to buy online if it supports PayPal, they started to offer rewards for using PayPal but its still very little, you have to spend like £10,000 to get a tenner back and thats the minimum redeemable, not really feasible in a realistic timeframe to be a reward for most people in this economy. The pay in 3 and credit with 0% interest have been useful features, can't use PayPal on some places like amazon but that's rival tech oligarchs for you, we shouldn't be made to use either, paypals CEOs are tech bros and paypals strong israel ties make them not a company to support so if you're not already indebted to them don't use them. Reviewed on: 16th April 2026

Makes buying and paying so simple

Makes buying and paying so simple Reviewed on: 16th April 2026

Great for an easy set up and to use!!

signing up for PayPal credit was very easy, took 2 minutes to her approved and to be able to use! Reviewed on: 16th April 2026

Brilliant service and it provides great options for...

Brilliant service and it provides great options for credit Reviewed on: 16th April 2026

All good! PayPal is easy and convenient for me

PayPal is easy and convenient for me Reviewed on: 16th April 2026

low interest rate and vary flexible to pay

low interest rate and vary flexible to pay Reviewed on: 16th April 2026

Nic Pay pal review

Use it all the time, excellent and feels safe for online purchases Reviewed on: 16th April 2026

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